You have three medical plan options provided by
UnitedHealthcare (UHC).
All plans:
- Use the same UHC network of providers
- Cover in-network preventive care at 100%
- Include prescription drug coverage
Signature Plan
- Provides you with a high level of benefits
- You will pay the most out of your paycheck
- Office Visits only require a copay
- For most other services, you will pay a lower deductible (compared to the other plans) plus coinsurance
Choice + HSA Plan
- Is a High Deductible Health Plan which means:
- You will pay the cost of services, including prescriptions, until you meet the deductible
- You can contribute to a tax-advantaged HSA that can be used to pay out-of-pocket healthcare expenses or save for future expenses
- Ingram contributes to your HSA annually.
- $500 for individual coverage
- $1,000 for family coverage.
- Note: If you enroll in the Choice + HSA plan during the year, you will receive a prorated amount. You can also add your own money to your account. Both contributions, Ingram’s and yours, belong to you. Keep in mind, Ingram’s contributions apply toward the IRS limits.
Value + HSA Plan
- Another High Deductible Health Plan which means:
- You will pay the cost of services, including prescriptions, until you meet the deductible
- Lowest per-paycheck cost, but the highest deductible and out-of-pocket maximum
- You can contribute to a tax-advantaged HSA that can be used to pay out-of-pocket healthcare expenses or save for future expenses
- Ingram does not contribute to your HSA
Tier 1 Providers
The UnitedHealth Premium® program evaluates physicians using evidence-based medicine and national measures to help you locate high quality and cost-efficient providers. When you visit a Tier 1 Provider, you pay lower copays (Signature Plan only) and lower coinsurance, which means you share in the savings. To find a UnitedHealth Tier 1 Provider, go to myuhc.com > Find Care & Costs > Primary Care Providers or Medical Specialists. Then, look for providers marked with a “Tier 1 Provider” tab.
Virtual Visits
Virtual Visits are a convenient, easy and confidential way to access a provider from your home, office or while traveling. All you need is a telephone, smartphone, tablet or computer.
Generally good for:
- Allergies
- Bladder/urinary tract infection
- Cough/cold or flu
- Fever
- Migraine/headache
- Pink eye
- Rash
- Sinus problems
- Sore throat
- And much more!
You can receive care through UHC’s Virtual Visits at no cost to you, regardless of what plan you are in.
Second Opinion Services
You and your dependents enrolled in a medical plan have access to a virtual expert medical consultation and navigation service at no cost through 2nd.MD.
2nd.MD connects you with board-certified, elite specialists from top medical institutions for a virtual medical consultation via phone or video from the comfort of your home. To learn more, watch this short video that explains how you can benefit from using 2nd.MD.
When to Use 2nd.MD
When dealing with illness, injury, or chronic pain, 2nd.MD can help when you have medical questions about:
- A new or existing diagnosis
- Treatment plan
- Possible surgery
- Your medications
- A chronic condition
Let 2nd.MD take on the burden of finding the right specialist, collecting medical records, and navigating the healthcare system, so you can focus on getting the best care.
Save Money and Be a Good Healthcare Consumer
The emergency room isn’t always the best place to go for care, and can mean more money out of your pocket. See this handy guide on where to go for care and when.
Understanding Prior Authorizations
Watch this quick video to learn more about the Prior Authorization process, when it is needed, and where to go for additional support.